Canada’s first card that grows with you.
Start today and get approved instantly¹. We’ll help you build your credit history and borrow better.
One card. Two ways to start.
There’s a way for everyone to get a card¹.
Traditional credit card
Apply for a Neo Mastercard with a credit limit up to $10,000 and no annual fees².
Secured credit card
If you don’t qualify for credit today, you can get a Secured Neo Mastercard to help build your credit history. Requires a monthly fee of $4.99 (except in Quebec) and refundable security funds³ to set your credit limit.
Top features of the Neo Mastercard
Instant virtual card
Start spending before your physical card arrives.
Manage your card online
Freeze your card, check your PIN, and track spending.
1% cashback⁴ from gas and grocery
Rewards for your everyday essentials.
Cashback offers
Shop at over 10,000 partners across Canada to earn cashback⁵.
Add an additional cardholder
Share access with a partner, family member, or anyone you trust⁶.
Auto-Pay
Set it and forget it with automatic payments.
Stay safer with next-gen card protection
Every Neo Mastercard comes with advanced technologies to protect your privacy and help prevent unauthorized purchases.
- Real-time alerts
Get notified when your card is used so you’ll never find a surprising purchase on your statement.
- Advanced fraud monitoring
Neo uses AI to monitor for unusual activity while keeping your personal data private.
- Mastercard Zero Liability
Help protect your card from purchases that you didn’t make⁷.
Everything at your fingertips
Get the Neo app to control your card, track your spending, and keep up on your payments.
Have a question?
Here’s some common questions about the Neo Mastercard.
Not sure this is your card?
Explore what you’re pre-approved for with no hard credit check.